Derby, Kansas Savings Rates - June 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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The best savings rates for Derby, Kansas and the surrounding area include Capitol Federal Savings BankCapitol Federal Savings Bank1636 N Rock Rd, Derby, KS 67037A+5.0 ★Texas Ratio: 1.06%Real return: +0.90%APY minus 2.8% CPI (February 2026) eSavings at 3.70% APY, Premier Members Credit UnionPremier Members Credit Union1615 N Rock Rd, Derby, KS 67037A+5.0 ★Texas Ratio: 4.43%Real return: +0.70%APY minus 2.8% CPI (February 2026) Premium High Yield Savings Account at 3.50% APY, Meritrust Federal Credit UnionMeritrust Federal Credit Union1615 N Rock Rd, Derby, KS 67037A+5.0 ★Texas Ratio: 4.42%Real return: +0.70%APY minus 2.8% CPI (February 2026) Premium High-Yield Savings at 3.50% APY, The Valley State BankThe Valley State Bank330 E Madison Ave, Derby, KS 67037A+5.0 ★Texas Ratio: 3.63%Real return: -2.65%APY minus 2.8% CPI (February 2026) Regular Savings at 0.15% APY, and Mainstreet Federal Credit UnionMainstreet Federal Credit UnionA+5.0 ★Texas Ratio: 1.71%Real return: +2.45%APY minus 2.8% CPI (February 2026) Emergency Savings at 5.25% APY.
Derby has 13 local institutions in our database, with savings rates as high as 3.70% APY from Capitol Federal Savings Bank at 1636 N Rock Rd, Derby, KS 67037. Use the table below to compare all available offers, including options from institutions serving the broader Kansas area. Rates are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Derby, Kansas and the surrounding area. Last Updated and Verified: June 23, 2026
Compare the Best Savings Rates in Derby, Kansas & Surrounding Communities
Minimum balance to earn APY is $10,000, and account must be enrolled in eStatements. Available online only. Transaction limits apply. Rates subject to change. Service charges may reduce the earnings on the account. APY = Annual Percentage Yield. Certain restrictions apply when opening an account online.
You must have an open Premium Perks Checking Account in order to be eligible to open and maintain a Premium High Yield Savings Account.
Balance to obtain APY: $100
Qualifying balance up to $1,000.00
The dividend rate and annual percentage yield may change at any time as determined by the credit union's board of directors. Dividends are paid from current income and available earnings after required transfers to reserves at the end of the dividend period. The dividend rate and annual percentage yield are the prospective rate and yield that the credit union anticipates paying for the applicable dividend period. Dividends begin to accrue on noncash items (i.e. checks) on the business day you make the deposit to your account. If you close your account before dividends are credited, accrued dividends will not be paid. Fees may reduce the earnings on any account.
Qualifications Required: Must enroll in eStatements to receive the advertised rate.; APY = Annual Percentage Yield. Accurate as of 9/2/2025. Rates may change at any time without notice. Dividends are paid monthly on the daily balance. Maximum aggregate balance of $2,500,000 across Blue Savings for Business accounts per Tax ID.
Qualifications Required: 18 *POS transactions post to your Elite Checking account during the monthly statement cycle; If *POS transaction requirements met: APY is 3.66% for daily balances up to $100,000. The APY ranges from 0.30% to 3.66%, depending on the account balance, for daily balances over $100,000. The 0.30% interest rate will be paid only for the portion of your daily balance that is greater than $100,000.
In Branch Only
In Branch Only
Qualifications Required: Must have an open checking account; Rounds up debit card transactions and share drafts (checks). If transaction is an even dollar amount, there is no transfer. Transactions will clear the checking account for the exact amount of the transaction. At the end of the business day, the total rounded amount will transfer from the checking to the EZ Saver in one transaction. Transactions are labeled as 'EZ Saver' in member accounts. Penalty for withdraw (per occurrance) outside allotted window. After 10 consecutive months of saving, the account is eligible for penalty free withdraw for 2 months.
In Branch Only
Qualifying balance up to $50,000.00
Online Only
In Branch Only
Qualifying balance up to $25,000.00
Minimum to open: $15
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution’s data, please contact us here.
Derby, KS Savings Rate Trends
Compare local Derby, KS savings rate quotes against the statewide average
Daily savings rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
Kansas high-yield savings rates currently average 3.210% APY based on data from institutions in our monitoring network.
Kansas standard savings rates fell 0.002 points over the past 7 days to 1.015% APY, down from 1.017%.
Derby, Kansas Savings Rate Forecast — Next 12 Months
Savings rates move with Federal Reserve policy. Our model uses the current KS high-yield average and a Fed funds spread to project the likely rate trajectory for 2026–2027.
Savings account rates are variable and move in close correlation with the Federal Reserve’s federal funds rate target. Our 12-month forecast is derived from the current KS high-yield savings average of 3.210% APY and a Fed funds spread model calibrated to the historical relationship between policy rate changes and deposit rate adjustments at banks and credit unions.
Key assumptions: 1–2 Federal Reserve rate cuts of 25 basis points each over the next 12 months, based on current CME FedWatch consensus; savings institutions typically pass through 70–90% of rate cuts to deposit rates within 60–90 days. High-yield online savings rates tend to adjust faster than standard branch-based savings rates.
Important notice: This forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions in Derby, Kansas.
Savings Account Earnings in Derby, Kansas
Annual interest earnings at current KS average APYs, based on the high-yield and standard savings averages tracked in our database. Compounding assumed monthly.
| Balance | HY Savings (3.210% APY) | Monthly Earnings | Standard Savings (1.015% APY) | Monthly Earnings |
|---|---|---|---|---|
| $5,000 | $160.51 / year | $13.38 | $50.77 / year | $4.23 |
| $10,000 | $321.02 / year | $26.75 | $101.53 / year | $8.46 |
| $25,000 | $802.55 / year | $66.88 | $253.83 / year | $21.15 |
| $50,000 | $1,605.10 / year | $133.76 | $507.65 / year | $42.30 |
| Earnings estimates use daily compounding. Actual earnings depend on exact rate, compounding frequency, and daily balance maintained. Rates are variable and subject to change. Source: Derby, Kansas savings rate averages as of June 24, 2026. | ||||
About Our Derby, Kansas Savings Rate Database
MonitorBankRates found 4 institutions with branches in Derby (2 banks, 2 credit unions), plus 20 additional state-chartered and national online institutions available to Derby residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website — no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio — objective financial health metrics calculated from FDIC and NCUA regulatory data — so you can compare yield and institutional safety in one place.
Current top rate: Capitol Federal Savings Bank offers a savings account at 3.70% APY. Use the rate table above to compare all current offers in Derby, Kansas.
How to Find the Best Savings Rates in Derby, Kansas
What to compare when shopping for a savings account in Derby, Kansas
To find the best savings APYs in Derby, Kansas, start with credit unions and online-only banks — Derby, Kansas has 13 credit unions in our database, and they consistently offer some of the highest yields because they are member-owned nonprofits with lower overhead than traditional banks.
Always compare the APY (Annual Percentage Yield), not just the interest rate. APY reflects compounding and is the true measure of what you’ll earn. Savings accounts that compound daily earn slightly more than those compounding monthly at the same stated rate. The current KS high-yield savings average is 3.210% — but top local institutions are offering as high as 3.70%, so shopping around pays off.
Unlike a CD, savings account rates are variable — your rate can change at any time with Federal Reserve policy. Many institutions offer elevated introductory rates that reset after a promotional period. Review your account periodically to ensure your APY remains competitive.
When a High-Yield Savings Account Makes Sense
- Emergency fund: Financial experts recommend 3–6 months of expenses in a liquid, FDIC-insured account. Derby, Kansas high-yield savings rates currently average 3.210% APY — far above a typical checking account.
- Short-term savings goals (6–24 months): If you may need the money soon, a savings account gives you immediate access without early withdrawal penalties.
- Parking cash between investments: A high-yield savings account at Derby, Kansas institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally — 24 institutions in Derby, Kansas report savings rates to our database.
- No rate lock-in risk: Unlike a CD, your rate moves up with the market if rates rise further.
Consider an Alternative If…
- You want a locked-in, guaranteed return → Derby, Kansas CD rates
- You want check-writing flexibility → Derby, Kansas money market rates
- You need daily transaction access → Derby, Kansas checking rates
Derby, Kansas Financial Snapshot
Local demographics and economic context for savers — Source: U.S. Census Bureau
16.7% of residents are 65 or older — below the national average of 17.3%; a low unemployment rate of 3.6% reflects a strong local economy with solid savings capacity. At today’s KS high-yield savings average of 3.210%, saving 10% of the local median salary ($4,636/year) would earn an additional $149 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Savings Accounts vs. Other Derby, Kansas Options
How high-yield savings accounts compare to other deposit products available at banks and credit unions in Derby, Kansas.
| Feature | High-Yield Savings | Standard Savings | Money Market | CD (12-Month) |
|---|---|---|---|---|
| Current KS Avg APY | 3.210% | 1.015% | View MMA Rates | View CD Rates |
| Rate Type | Variable | Variable | Variable | Fixed for term |
| FDIC / NCUA Insured | ✓ Up to $250K | ✓ Up to $250K | ✓ Up to $250K | ✓ Up to $250K |
| Withdraw Anytime | ✓ Yes | ✓ Yes | ✓ Yes | ✗ Penalty applies |
| Check Writing | ✗ No | ✗ No | ✓ Often yes | ✗ No |
| Debit / ATM Card | Some institutions | ✗ Rarely | ✓ Often yes | ✗ No |
| Typical Min Deposit | $0 – $100 | $25 – $100 | $0 – $2,500 | $500 – $1,000 |
| Rate Risk | Rate may fall with Fed cuts | Rate may fall with Fed cuts | Rate may fall with Fed cuts | None — locked for term |
| Best For | Emergency fund, short-term goals, parking cash | Everyday saving, low-balance accounts | Active savers wanting flexibility + check writing | Locking in a rate for a defined period |
APY data reflects Derby, Kansas averages tracked in our database as of June 24, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
Savings Calculators for Derby, Kansas
At KS’s top rate of 3.70% from Capitol Federal Savings Bank, a $10,000 deposit earns $370 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median Derby, Kansas earner is roughly $11,600. At 3.210% APY, saving $970/month gets you there in about 12 months. Set your target and see your exact timeline.
CD vs. High-Yield SavingsKansas’s high-yield savings average is 3.210% APY — variable and always accessible. A local CD may offer a higher fixed yield in exchange for locking in your deposit. Compare both side-by-side to find the better fit for your timeline.
Budget CalculatorBefore you can grow your savings, you need to know how much you can set aside each month. The median Derby, Kansas earner makes $46,360/year. Track your income vs. expenses to find your monthly surplus — then put it to work at 3.210% APY.
Retirement PlannerA $25,000 high-yield savings balance earning 3.210% APY grows to roughly $47,032 over 20 years with compounding. See how your current savings trajectory lines up with your retirement income needs.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Derby, Kansas savings rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Savings Rate Data: We aggregate savings account rates for Derby, Kansas directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. Every savings rate displayed on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Derby, Kansas. We feature a comprehensive mix of institutions — from neighborhood credit unions and competitive regional banks to large national institutions available to savers in KS.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update savings rates daily. Because savings account yields can fluctuate rapidly, every product listed features its own specific “last updated” date, giving you complete transparency.
Frequently Asked Questions about Savings Accounts in Derby, Kansas
What is a High-Yield Savings Account (HYSA)?
Are savings accounts in Derby, Kansas safe?
How often do savings rates change in Derby, Kansas?
Do I need a minimum deposit to open a savings account?
What is the difference between a Savings Account and a Money Market Account?
Are online banks better than local banks in Derby, Kansas?
How do I open a savings account in Derby, Kansas?
Best Savings Rates in Derby, Kansas
- Capitol Federal Savings Bank
eSavings — 3.70% APY - Premier Members Credit Union
Premium High Yield Savings Account — 3.50% APY - Meritrust Federal Credit Union
Premium High-Yield Savings — 3.50% APY - The Valley State Bank
Regular Savings — 0.15% APY - Mainstreet Federal Credit Union
Emergency Savings — 5.25% APY
